Online Banking Security

With proper safety measures in place, your online banking transactions remain confidential and safe. The following measures have been taken to ensure your privacy:

Secure Access and Verifying User Authenticity: Unique ID and Personal Identification Number (PIN) - In order to access Oregon Trail Bank's online banking, you must enter a unique User ID and PIN.

Account "Nicknames": Oregon Trail Bank allows you to choose a "Nickname" for each of your accounts. For example, Checking, Payroll, Money Market, etc.

Automatic Log-Off: If you are logged on to online banking but do not use it for 15 minutes, you will not be able to proceed until you "re-log" onto the system.

Password "Lockout" System: To keep unauthorized individuals from accessing your account by guessing your PIN, we have instituted a PIN lockout system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system. You must contact the bank for your account to be reset and the system to become "unlocked".

Secure Data Transfer: Encryption - The latest encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to Oregon Trail Bank. We decode your request and send the requested information back to you in anencrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.

Router and Firewall: Other Security Measures - In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

While online banking works to protect your banking privacy, you will also play an important role in protecting your accounts.

Here are some important ways to ensure that you can help to keep your sensitive information protected:

Go paperless. Try to reduce the amount of mail you receive containing personal information.Continually utilize all security updates offered by your software providers.Make sure that your computer always has up-to-date versions of both anti-spy ware and anti-virus software.Implement steps to prevent and detect spyware and understand the risks associated with spy ware.Be aware of potential phishing attempts by making sure requests for sensitive personal, financial, or account information are legitimate, particularly if they are made in an urgent or threatening tone.Utilize strong passwords, change them often and do not share IDs or passwords with anyone. Do not use personalized information, such as names or birthdays.Log out of online banking prior to visiting other Internet sites.